Updated May 2026
Minimum Coverage Requirements in Hawaii
Hawaii operates as a no-fault state, requiring all drivers to carry Personal Injury Protection coverage. Licenses suspended for unpaid traffic tickets or court fines do not typically trigger SR-22 filing requirements. Reinstatement requires proof of insurance meeting state minimums, payment of all outstanding fines across every issuing court, and the state reinstatement fee.
How Much Does Car Insurance Cost in Hawaii?
Hawaii auto insurance rates average $110 to $145 per month for minimum coverage, significantly above the national median due to the state's no-fault PIP requirement and island geography. Unpaid-fines suspensions do not typically increase premiums the way DUI or at-fault accident suspensions do, since the suspension cause is debt-related rather than driving behavior.
What Affects Your Rate
- Hawaii's no-fault PIP requirement adds $30 to $50 per month to every policy compared to tort-only states.
- Oahu drivers pay 15 to 25 percent more than Big Island or Maui drivers due to higher accident density and theft rates in Honolulu metro.
- Non-standard carriers writing suspended-license policies charge reinstatement premiums 20 to 40 percent above standard rates during the first six months.
- Unpaid-fines suspensions typically do not trigger the same rate increases as DUI or at-fault suspensions because the cause is administrative debt, not driving behavior.
- Hawaii carriers require proof of Hawaii vehicle registration before binding coverage, which can delay reinstatement for drivers who moved to the state recently.
- Multi-policy bundling with renters or homeowners insurance reduces Hawaii auto premiums by 10 to 18 percent on average.
Get insured and start your reinstatement process today
Compare carriers that file SR-22 in your state and work with suspended license drivers.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Hawaii's 20/40/10 minimums are the legal floor for reinstatement.
Personal Injury Protection
Hawaii's no-fault PIP pays your medical bills regardless of fault. Required by statute and cannot be reduced below $10,000.
Non-Standard Auto Insurance
Carriers that write policies for suspended-license drivers during the reinstatement process. Rates run 20 to 40 percent above standard.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance. Hawaii carriers must offer it; you can reject it in writing.
SR-22 Insurance
Certificate of financial responsibility filed by your carrier with the state. Required after specific violations.
Find Your City in Hawaii
Sources
- Hawaii District Courts — Traffic Division payment and reinstatement procedures
- Hawaii Department of Transportation — Driver Licensing suspension and reinstatement rules
- Hawaii Revised Statutes Chapter 286 — Motor Vehicle Laws and Licensing